Amex rules for CLI (have they changed recently?)

[Priory_Man]

You should have used the exit button.
Once the request is closed submit again, so if they close it on the 3rd then as you have stated the 4th will be the soonest you can try again.

Is it for personal reasons you are not wanting to share your income with Amex in order to get the increase you wanted? Reason I ask is because once provided you can go beyond the 35k trigger amount and they may even offer you a bigger increase than you are asking for.

[Superduper2014]

thanks @Priory_Man  Thinking about it, I will probably just send them the last 3 bank statements they ask for, if that could help with getting even bigger increases. 

[Superduper2014]

UPDATE: I requested a CLI again after they closed the previous unsuccesful CLI request. 

I did it for just 50% more and got the boot. 

We are currently reviewing your previously submitted Credit Limit increase request and you are unable to submit an additional request at this time.

My other card is $26500 and this one is $8500 ( I asked for 13k)

Oh well. 

When should I try again, or does this mean I reached a ceiling with them for my income? My credit has never been better before. 

[Superduper2014]

ok I received an email again: 

Here’s something to keep in mind

You’ll need to provide us this information by October 19, 2023. If we don’t receive it by then, we may close your request.

[1LostArk]

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@Priory_Man wrote:

You should have used the exit button.
Once the request is closed submit again, so if they close it on the 3rd then as you have stated the 4th will be the soonest you can try again.

Is it for personal reasons you are not wanting to share your income with Amex in order to get the increase you wanted? Reason I ask is because once provided you can go beyond the 35k trigger amount and they may even offer you a bigger increase than you are asking for.

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Does the 35k trigger amount apply to all cards, business and personal? Or is it just for personal? Reason being I have $35k across all my Amex cards, but could use a CLI on my BBP.

[youngandcreditwrthy]

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@Superduper2014 wrote:

I am getting ready to request a CLI on one of my Amex credit cards. 

One is at $34,500

2nd is at $9,000

I am planning on requesting a CLI on the 2nd to 3x (27k) and see what happens. 

However, I wanted to know if doing this will trigger possibly income verification or Financial review, to be prepared. 

I understand YMMV, however, what are the data points you guys know point towards? 

I guess I am trying to ask if in my situation, having 2 cards under 35k won't be causing me more work than it is worth. 

I am trying to increase my limits on a schedule. 

Thank you for any insights on this particular scenario and the rules. 

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imo it seems like you're doing quite well with them. have had amex for over a decade now and had to fight once or twice to get my 20K+ limits back once. I wouldn't f*** with them, you might find out and waste time. At the end of the day, if you have the time (ie money ) to waste.. on a financial review then go ahead.. otherwise, might be better to STAY ahead lol. just my .02. amex soft pulls me like crazy and idk why. they even FR[ed me and tried to CLD me when I was paying balances in full on my BCE. I think I'm at 36k exposure. the old 35k exposure rule def doesnt apply anymore. inflation has turned 35k t 70k over the last decade.

[youngandcreditwrthy]

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@Brian_Earl_Spilner wrote:

If it asks for income verification simply back out and lower the number until it doesn't. 

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i dunnno dude this is risky. they can literally see all your online account activity. I've seen what it looks like on the backend. its scary and strange.